ark:Transaction
URI format identifier used to refer to this node within the graph.
https://graph.datawollet.com/.draft-nodes/f85b8b6b37fe3e8b144829d200000000A type identifier used to indicate the data model that the node conforms to.
ark:Transactionark:TransactionThis identifier is designed to allow transactions to be sorted to match the data source exactly, by sorting alphanumerically. It is generated using data from the source systems, or for statement sources from the order of the pages and the order within the pages.
Possible values: non-empty
20250620001000000001Date on which the transaction was booked, or took place if not yet booked.
Account the transaction is related to.
https://graph.datawollet.com/.draft-nodes/0118735d359276fd42741493c449e568Full description of the transaction as it appears on the statement. If no description is provided on the statement, then a single hyphen ('-') is used to indicate no description was available.
Possible values: non-empty
B JONES (Faster Payments) Reference: SPOTIFYShort description of the transaction, if it was possible to determine.
B JONES (Faster Payments)Additional details for the transaction that are less important.
Reference: SPOTIFYMethod used for the transaction, as described by the bank.
Faster PaymentsReference for the transaction, if available.
SPOTIFYCategory for the method used in the transaction, standardised between banks.
Possible values: [PAYMENT, PAYMENT:ONLINE, PAYMENT:DIRECT_DEBIT, PAYMENT:STANDING_ORDER, PAYMENT:CARD, PAYMENT:CARD:CONTACTLESS, TRANSFER, TRANSFER:OUT, TRANSFER:FASTER, TRANSFER:SAVINGS:OUT, TRANSFER:SAVINGS:IN, TRANSFER:P2P, TRANSFER:CHAPS, CREDIT, UNKNOWN]
TRANSFER:FASTERamount object
Amount involved in the transaction, including currency.
ark:CurrencyValuePossible values: Value must match regular expression ^[0-9]{1,}(\.[0-9]{2})?$
Possible values: [Credit, Debit]
conversion object
Original currency and exchange rate, if applicable.
ark:CurrencyConversionamount object
ark:CurrencyValueAmount of the original transaction currency
Possible values: Value must match regular expression ^[0-9]{1,}(\.[0-9]{2})?$
ISO 4217 currency code for the original transaction currency, or '???' if unknown
Possible values: Value must match regular expression ^[A-Z\?]{3}$
Exchange rate applied to the original transaction currency. Additional fees may apply in addition to the exchange rate, so an exact conversion to the final amount is not certain.
Possible values: Value must match regular expression ^[0-9]{1,}(\.[0-9]{1,10})?$
balance object
Balance associated with the transaction, at the time specified by the balanceAt field. A balance may not be included for all transactions depending on how the bank operates.
ark:CurrencyValuePossible values: Value must match regular expression ^[0-9]{1,}(\.[0-9]{2})?$
Possible values: [Credit, Debit]
Treatment of the balance, such as whether it is booked or provisional.
Possible values: [Booked, Interim]
BookedbalanceAt object
Whether the balance relates to the opening, interim or closing balance for the period which is normally considered the day of the transaction.
- Option 1
- Option 2
- Option 3
Openingcounterparty object
Details for the other party involved in a transaction, which may include a name if available as well as sort code and account number details if provided. When receiving money, this is expected to be the sender, and when sending money this is expected to be the recipient.
Name of the counterparty, where available.
Sort code of the counterparty's bank, if available.
Possible values: Value must match regular expression ^[0-9]{2}-[0-9]{2}-[0-9]{2}$
Account number of the counterparty, if available.
Possible values: Value must match regular expression ^[0-9]{7,8}$
List of categories assigned to the transaction through AI matching. Some transactions are not assigned to categories, for example if there is no known amount. The first item in the list is the primary category, and the second item is a subsidiary of the primary category.
The current list of primary categories is:
travelbankingdependent_costsentertainmentshoppingfood_and_drinkincometransportmedia_and_telecomsexpensesinsuranceborrowing_and_loanscharityhealth_and_personal_carehometaxespensions_savings_and_investmentseducationgambling_and_lotteriesmortgage_and_renttransfersutilitiesgeneral
The current list of subsidiary categories is:
holiday_and_travel_expensesflights_and_airport_expensesother_travelbank_fees_and_currency_exchangeother_bankingcash_withdrawalsinterestrefunds_and_reversalsoverdraft_feesunpaid_transactionsother_dependent_costschild_supportchildcarechildrens_expenseschildrens_school_feesleisure_and_amusement_activitiesbooks_and_readingcinematheatre_concerts_and_ticketsother_eventsgamingsport_eventsother_entertainmenthobbiesflowers_and_giftsclothing_and_accessoriesdepartment_storeselectronics_appliances_and_technologygeneral_online_shoppingother_shoppingsmoking_and_vapingbars_and_pubscoffeegrocerieseating_out_and_takeawaysspeciality_food_and_drinkother_eating_outother_food_and_drinkbenefitsdepositsother_incomechild_support_incomecrypto_platform_incomingrental_incomeinvestment_incomeemployment_incomepension_incomepublic_transportpetrol_and_vehicle_chargingparking_and_tollsservice_stationstaxivehiclevehicle_rentalother_transportbroadbanddigital_media_and_softwaremobiletv_streaming_servicestv_licencetv_broadband_and_mobileother_media_and_telecomsbusiness_expensesfinancial_and_legal_expensesother_memberships_and_servicespostage_and_office_suppliesother_expensesbusiness_insurancehome_insuranceother_insurancehealth_and_life_insurancepet_insurancetravel_insurancevehicle_insurancebuy_now_pay_latercredit_cardsdebt_managementloan_incomingloan_repaymentstudent_loanvehicle_loanother_borrowing_and_loanscharityother_charityhealthcarebeautysport_accessories_and_equipmentdentalgym_and_fitnesspharmacies_and_health_productsopticalother_health_and_personal_carehome_maintenancefurnituregardeninglaundryother_homehousehold_goodspetscouncil_taxother_taxescrypto_platform_outgoinginvestmentspensionssavingsother_pensions_savings_and_investmentsdriving_lessonsother_educationuniversity_and_tuitiongambling_and_bettinglotteries_and_sweepstakesother_gambling_and_lotterieshousing_depositsmortgagerentother_mortgage_and_rentinternal_transfersshared_bills_and_expensestransfers_intransfers_outother_transfersutilities_energyother_utilitiesutilities_water_and_sewagewaste_and_recyclingother_general
["travel","public_transport"]Merchant associated with the transaction, if it was possible to determine. This matching is performed automatically and may not be accurate, and indicates the merchant was referred to, therefore it may not be the same as the counterparty. The referred node will be an ark:Organisation or ark:Organisation normally including tags that can be used to infer additional information about the transaction (e.g. gambling providers).
https://graph.datawollet.com/organisation/tescoPayment processor associated with the transaction, if it was possible to determine. This matching is performed automatically and may not be accurate, and indicates the payment processor was referred to, therefore it may not be the same as the counterparty. The referred node will be an ark:Organisation or ark:Organisation normally including tags that can be used to infer additional information about the transaction (e.g. BNPL providers) though it should not be taken to indicate the actual nature of the transaction.
https://graph.datawollet.com/organisation/klarna{
"id": "https://graph.datawollet.com/.draft-nodes/f85b8b6b37fe3e8b144829d200000000",
"type": "ark:Transaction",
"sequence": "20250620001000000001",
"date": "2024-07-29",
"relatedTo": "https://graph.datawollet.com/.draft-nodes/0118735d359276fd42741493c449e568",
"fullDescriptor": "B JONES (Faster Payments) Reference: SPOTIFY",
"description": "B JONES (Faster Payments)",
"notes": "Reference: SPOTIFY",
"method": "Faster Payments",
"reference": "SPOTIFY",
"methodCategory": "TRANSFER:FASTER",
"amount": {
"type": "ark:Currency",
"currency": "GBP",
"amount": "5.00",
"direction": "Credit"
},
"conversion": {
"type": "ark:CurrencyConversion",
"amount": {
"type": "ark:Currency",
"currency": "USD",
"amount": "6.50"
},
"rate": "1.30"
},
"balance": {
"type": "ark:Currency",
"currency": "GBP",
"amount": "1234.56",
"direction": "Credit"
},
"balanceType": "Booked",
"balanceAt": "Closing",
"counterparty": {
"name": "B JONES",
"sortCode": "404004",
"accountNumber": "12345678"
},
"categories": [
"travel",
"public_transport"
],
"merchant": "https://graph.datawollet.com/organisation/tesco",
"processor": "https://graph.datawollet.com/organisation/klarna"
}